赋予第三者直接请求权与责任保险的风险管控

Empowerment of the Third Party' s Direct Right of Claim and the Risk Management of liability Insurance

新《保险法》明确了责任保险中第三者对保险人的直接请求权,受限于中国保险业的发展现状及法律普及程度,第三者直接请求权的赋予将导致责任保险实务中出现新的纠纷,给保险公司带来未知的经营风险。为保证保险公司的稳定经营,有必要加强对诉讼风险的防范,扩大强制责任保险的承保面,加强与新闻媒体及公众的沟通等,以确立对保险公司的利益保护,并以之作为责任保险稳定经营的制度基础。

The new Insurance Law makes clear that the third party of liability insurance owns direct claim to the underwriter. As it is limited by China insurance industry development status and legal populari right of ty, the giving of third party＇s direct right of claim will add new disputes in insurance practice and bring unknown manage- ment risks to insurance companies. To ensure the stable operation of insurance companies, it is necessary to strengthen the litigation risk prevention, expand coverage of compulsory liability insurance and enhance communication with news media and public so as to guanantee the insurer＇s interest and establish institutional basis for the stable operation of liability insurance.